Life Settlement Facts & Statistics
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Life settlements are a powerful yet underutilized financial tool. With millions of policies eligible for settlement, most policyholders are unaware of this opportunity. Explore key facts, real data, and insights that reveal how life settlements can unlock substantial value from your life insurance policy.
💡 85% of Term Life Policies Lapse Without a Payout
Most term policies don’t pay out because they lapse or are surrendered before the death benefit is triggered.
💡 The Industry Paid Over $800 Million to U.S. Consumers in 2023
In 2023, the life settlement market paid out over $800 million to U.S. policyholders, providing much-needed cash for those who chose to sell their life insurance policies rather than let them lapse or surrender.
💡 Millions of Life Insurance Policies Have Potential for Life Settlements
Approximately 5 million life insurance policies are eligible for life settlements in the U.S., yet many policyholders remain unaware of this option.
💡 Life Settlements Can Yield 4x -12x More Than Cash Surrender Value
Policyholders can often receive four times more by selling their life insurance policy rather than surrendering it.
💡 The Life Settlement Market is Growing at 34% Annually
The life settlement industry is experiencing significant growth, expanding at an average rate of 34% per year, reflecting increasing awareness and acceptance of life settlements as a viable financial option.
💡 75% of Seniors Use Life Settlements to Pay for Healthcare
A substantial majority of seniors who sell their life insurance policies use the proceeds to cover immediate healthcare costs, finance long-term care services, or supplement retirement income.
💡 $200 Billion in Life Insurance Goes Unclaimed Every Year
Each year, Americans leave behind over $200 billion in life insurance premiums, which could have been used to unlock cash through life settlements.
💡 Life Settlements Are an Alternative to Selling Assets
Instead of selling assets like your home or car, you can sell your life insurance policy for immediate cash, providing a viable financial solution.
💡 More Than 80% of Policies Eligible for a Life Settlement Aren’t Sold
A significant number of policies eligible for life settlements remain unsold, often due to lack of awareness or understanding of the option.
💡 55% of Americans Are Unaware of Life Settlements
Over half of U.S. adults (55%) are unaware of life settlements, and 68% are unfamiliar with viatical settlements, leaving many policyholders unaware of their options.
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*Eligibility for a life settlement depends on various factors including age, health status, and policy details.
Settlewealth.com is a website owned and operated by Settle Life, Inc. (“Settle”), a financial technology and life settlement marketing company based in the United States. Settle is not a licensed life settlement provider, nor a licensed life settlement broker, and does not engage directly in regulated life settlement transactions as a representative of policyholders. Our core function is to serve as a facilitative platform, designed to connect qualified life insurance policy owners with licensed life settlement providers, institutional buyers, and other investment-related entities, some of which may be affiliated with or compensated by Settle. These providers and firms operate independently and are solely responsible for the purchase and servicing of life insurance policies acquired through settlement transactions.
Settle is not acting in a fiduciary capacity, and our role does not include giving financial, legal, tax, or insurance advice. We do not offer or originate bids for policies, nor do we negotiate life settlement contracts on behalf of either sellers or buyers. Rather, Settle’s platform operates as a conduit, streamlining introductions and enabling potential transactions between consenting parties. In instances where a life settlement transaction is successfully completed as a result of a referral, lead, or introduction facilitated by SettleWealth.com, Settle may receive compensation from the licensed provider or other participating entities. The nature and amount of such compensation may vary by transaction and is typically paid from proceeds allocated within the provider’s purchase structure.
In our effort to protect user privacy, the names, images, likenesses, and specific identifying details shown in testimonial examples, case illustrations, or marketing content on SettleWealth.com may be fictionalized or altered. These examples are intended solely to demonstrate potential scenarios for educational purposes and should not be interpreted as promises or guarantees of specific outcomes. All illustrations, data points, and estimates are provided for illustrative and general informational purposes only.
Completion of our Application, or any related intake forms, does not obligate any party to move forward with a transaction. All submissions are voluntary and reviewed for eligibility. Users should exercise discretion and independently verify any figures, assumptions, or conclusions shared by the platform. The Appraisal Analysis produced by Settle is a non-binding assessment designed to assist in initial evaluations only. Settle makes no representations or warranties regarding the completeness, accuracy, timeliness, or usefulness of this analysis, and disclaims all liability for decisions made based on its contents.
We encourage all users to conduct thorough due diligence before pursuing or accepting any life settlement offer. The process may have implications on Medicaid eligibility, estate planning, taxes, and future insurability. It is the responsibility of the user to consult qualified professionals as needed. Settle does not assume any responsibility for individual outcomes or the suitability of life settlements for specific users.
This service is intended for use only by residents of the United States and is void where prohibited by law. Access to or use of the platform in certain jurisdictions may be restricted and is the responsibility of the user to confirm legal compliance.
If you are using a screen reader or have difficulty accessing any part of this website, please contact us directly at (214) 531-4733 and a representative will assist you.
Settle is not acting in a fiduciary capacity, and our role does not include giving financial, legal, tax, or insurance advice. We do not offer or originate bids for policies, nor do we negotiate life settlement contracts on behalf of either sellers or buyers. Rather, Settle’s platform operates as a conduit, streamlining introductions and enabling potential transactions between consenting parties. In instances where a life settlement transaction is successfully completed as a result of a referral, lead, or introduction facilitated by SettleWealth.com, Settle may receive compensation from the licensed provider or other participating entities. The nature and amount of such compensation may vary by transaction and is typically paid from proceeds allocated within the provider’s purchase structure.
In our effort to protect user privacy, the names, images, likenesses, and specific identifying details shown in testimonial examples, case illustrations, or marketing content on SettleWealth.com may be fictionalized or altered. These examples are intended solely to demonstrate potential scenarios for educational purposes and should not be interpreted as promises or guarantees of specific outcomes. All illustrations, data points, and estimates are provided for illustrative and general informational purposes only.
Completion of our Application, or any related intake forms, does not obligate any party to move forward with a transaction. All submissions are voluntary and reviewed for eligibility. Users should exercise discretion and independently verify any figures, assumptions, or conclusions shared by the platform. The Appraisal Analysis produced by Settle is a non-binding assessment designed to assist in initial evaluations only. Settle makes no representations or warranties regarding the completeness, accuracy, timeliness, or usefulness of this analysis, and disclaims all liability for decisions made based on its contents.
We encourage all users to conduct thorough due diligence before pursuing or accepting any life settlement offer. The process may have implications on Medicaid eligibility, estate planning, taxes, and future insurability. It is the responsibility of the user to consult qualified professionals as needed. Settle does not assume any responsibility for individual outcomes or the suitability of life settlements for specific users.
This service is intended for use only by residents of the United States and is void where prohibited by law. Access to or use of the platform in certain jurisdictions may be restricted and is the responsibility of the user to confirm legal compliance.
If you are using a screen reader or have difficulty accessing any part of this website, please contact us directly at (214) 531-4733 and a representative will assist you.
